Fees & Commission

Sansha Financial Services LLP is purely a distributor of Mutual Funds and earns its income as a product distributor through commissions paid by Asset Management Companies (AMCs). Incidental to our primary distribution services, we also provide value-added services such as Financial Planning, Retirement Planning, Insurance Advisory, NRI Investment Solutions, PMS & AIF guidance, and GIFT City investment advisory. We do not charge any separate or additional fees for any of these incidental services — our key source of income remains the commission earned as a registered Mutual Fund Distributor under AMFI (ARN: 166947).

As part of our core philosophy of transparency, trust, and client-first service, we maintain a clear and open disclosure of our earnings so that our clients can make fully informed decisions.

Important Notes:

✓ Portfolio Expenses (also known as the Total Expense Ratio or TER) are capped by SEBI within a range of approximately 1.05% to 2.25%, depending on the fund category and total assets under management (AUM). These are charged on an annualized basis using the weekly average valuation of the portfolio.
✓ The Net Asset Value (NAV) announced by the fund under its Regular Plan is net of such charges and reflects the actual value of your investment after deducting all applicable expenses.
✓ Commissions are embedded within the Regular Plan's expense ratio and are not charged to you separately or directly.
✓ Direct Plans of mutual funds do not carry any distributor commission. If you invest through Sansha Financial Services, you will be investing in Regular Plans, through which we earn trail commission from the AMC.

Mutual Fund Commission Disclosure

Sansha Financial Services LLP also distributes life and health insurance products in partnership with IRDAI-registered insurers including HDFC Life, HDFC Ergo, ICICI Lombard, and TATA AIA. We earn commissions from these insurance companies on policies distributed by us. Commission rates vary by product type, insurer, and policy term and are governed by IRDAI regulations. These commissions are paid by the insurer and are not an additional charge to the policyholder.

Insurance Commission Disclosure

PMS & AIF Distribution Disclosure

For Portfolio Management Services (PMS) and Alternative Investment Funds (AIF) distributed by us, referral or distribution fees may be applicable as per the agreement with the respective PMS or AIF provider. Any such fees will be disclosed to the client prior to onboarding and are governed by SEBI regulations applicable to PMS and AIF distribution.

What We Do Not Charge

We believe in keeping our client relationships free from hidden costs or conflicts of interest. The following are services we provide at no direct chargeto our clients:

✓ Financial Planning and Goal Mapping
✓ Retirement Planning Advisory
✓ Portfolio Review and Rebalancing Guidance
✓ NRI Investment Advisory and Onboarding Support
✓ Insurance Need Analysis and Claim Assistance
✓ GIFT City Investment Guidance
✓ Tax Planning and Investment Structuring Advice

All of the above are provided as value-added services incidental to our mutual fund distribution activity.

Our Commitment to You

At Sansha Financial Services, we firmly believe that a client who understands how their advisor earns is a client who can truly trust their advisor. We are committed to:

✓ Full transparency in how we are compensated.
✓ Recommending only those products that are suitable for your financial goals and risk profile.
✓ Never pressuring clients into products that benefit us more than them.
✓ Disclosing any material conflict of interest before making a recommendation.

While we make every effort to ensure the suitability of the products recommended to you, we acknowledge that commission-based distribution carries an inherent potential for conflict of interest. We actively work to mitigate this by keeping your long-term financial goals at the center of every recommendation we make.

Need Clarification?

If you have any questions about our commission structure, expense ratios, or how we are compensated on any specific product or investment, we warmly invite you to reach out. No question is too small — transparency is one of our founding values.

📧 info@sanshafinancialservices.com

📞 Ayesha Fahim: +91 98451 90330

📞 Sanchit Attawar: +91 98198 11525

🌐 www.sanshafinancialservices.com

📍 176/C, 13th Main, 4th Cross, 4th Block, Koramangala, Bengaluru 560034, Karnataka

We are available Monday to Saturday, 10:00 AM to 6:00 PM IST.